 You're in Baby Step 4, so you're debt-free and you have your emergency fund in place. That is the time we would tell you to do it in terms of Baby Step. Was it too much, Nick? Was it too much? Are you stressed about the payment? Is that why you're calling, or you're just curious? I'm kind of wondering if it's the amount that I owe, and it freaks me out a little bit. I've never been in this much debt. The mortgage is $236,000. I make about